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Call Us Now: Did you know that Santa Cruz County homeowners are paying on average $800.00/year for home insurance? Qualify for all available home insurance discounts and take the headache out of shopping by getting up to four comparative rates from a licensed HomeInsurance.com agent.
Get comparative rates from the top insurance providers in the country including Travelers, Safeco, The Hartford, Progressive, ASI/Ark Royal and Foremost.
For home insurance quotes in Santa Cruz County, select your city below:
Homeowners Insurance Discounts in Santa Cruz County
- Home Security Discount: We believe that any time you can make your Santa Cruz County home less susceptible to theft your home insurance company should reward you for it! That’s why we have partnered with providers who offer a discount of up to 15% off your home insurance premium if you have a home security system. Ask your agent if you qualify.
- Home-Auto Discount: Our best savings yet- homeowners in Santa Cruz County who combine their home and auto insurance policies with the same carrier typically save up to $556/year.
- Smoke Alarm Discount: Santa Cruz County homeowners may be able to save up to 15% on home insurance with a smoke alarm discount.
Why You Pay What You Do in Santa Cruz County
California homeowners insurance rates vary for many reasons from one county to the next in California. And with over 255,602 residents in Santa Cruz County (with an average household income of $59,121) we know how much time you all spend shopping for the best quotes available. But don’t let shopping for home insurance become a chore. Fill out one easy quote form, starting with your zip code, and let us shop for you.
One of the top factors affecting your home insurance premium is the amount of dwelling coverage you need. Dwelling coverage is calculated by multiplying the square footage of your home by the average building costs in your area. (Figure, on average, building costs in Santa Cruz County are around $122 per square foot.) Dwelling coverage should not be confused with your home’s market value, which includes land value and is the value of your home if it were listed for sale. (The average home value in Santa Cruz County is $358,829.)
Rates in the area may also be affected by the amount of liability coverage you choose to include in your Santa Cruz County homeowners insurance policy. Liability coverage protects you and your family against lawsuits. The average household in Santa Cruz County is home to 2.78 people, so it’s important to make sure you are all protected by liability insurance.
Get the best rates on Santa Cruz County home insurance by filling out a free quote form and talking with a licensed agent in your area today.
